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thanks every one


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I can't thank every one enough. I had the problem with my daughter and her boyfriend using my husband's credit cards. I was such a mess with the calls. I have sent a cease and desist letter and then the debt validation letters to allied interest, capital recovery service and first select on March, 5th. I got the green cards back. Should I send the debt validation letter again? Should I pay for a credit check to see if my name is in the credit bureau? I don't know if our name is in, we did not apply for any credit. Once again, thank you so very much. Depression is gone. carol

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Since you have CC's, the CRA's have you on file. Those companies have been reporting you since the beginning. You could order a copy of each report from each CRA. Do not order a 3in1. Then, you can see what is being reported, then follow the advice here. Myself, I would wait the 30 days from their receipt of letter before sending another one. Others will say do it now. It's up to you.

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  • 6 months later...

I have been doing so well. The collection agencies gave me a nice break. it was wonderful that they were not calling. Now, a collection agency calls from oklahma. I did find their name and address in the yellow pages on the mns home page. I will send letters to them as well. They call every day, some times twice a day. I did not understand that they must send a letter before calling. I did not receive any letters from this new collection agency. happy to hear from you all again. Carol

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